Call reports 2004
OTTOVILLE BANK COMPANY, THE — 2004
What OTTOVILLE BANK COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 58,078,000 | 55,538,000 | 55,705,000 | 56,794,000 |
| Total loans | 23,313,000 | 22,879,000 | 22,993,000 | 23,434,000 |
| Allowance for loan losses | 438,000 | 386,000 | 326,000 | 330,000 |
| Securities available for sale | 26,588,000 | 27,061,000 | 26,957,000 | 26,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,832,000 | 37,344,000 | 37,410,000 | 38,743,000 |
| Interest-bearing deposits | 34,284,000 | 33,222,000 | 33,074,000 | 33,276,000 |
| Noninterest-bearing deposits | 4,548,000 | 4,122,000 | 4,336,000 | 5,467,000 |
| Equity capital | 12,020,000 | 11,284,000 | 11,998,000 | 11,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,397,000 | 2,077,000 | 2,775,000 |
| Interest expense | 147,000 | 288,000 | 421,000 | 565,000 |
| Net interest income | 566,000 | 1,109,000 | 1,656,000 | 2,210,000 |
| Noninterest income | 45,000 | 92,000 | 136,000 | 187,000 |
| Noninterest expense | 277,000 | 549,000 | 830,000 | 1,125,000 |
| Provision for loan losses | 30,000 | 90,000 | 110,000 | 110,000 |
| Pretax income | 322,000 | 579,000 | 880,000 | 1,194,000 |
| Income tax | 53,000 | 106,000 | 176,000 | 280,000 |
| Net income | 269,000 | 473,000 | 704,000 | 914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,350,000 | 11,272,000 | 11,503,000 | 11,446,000 |
| Total capital | 11,772,000 | 11,658,000 | 11,829,000 | 11,776,000 |
| Risk-weighted assets | 33,736,000 | 32,896,000 | 31,742,000 | 32,069,000 |